World2Cover Travel Insurance

Customers can get unlimited protection for overseas medical, evacuation and emergency expenses on its Top Cover plan.

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By

Cristal Dyer

Edited by

Joselle Delos Reyes

Updated

Fact checked
World2Cover

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Key takeaways

  • World2Cover's Top Cover offers unlimited overseas medical, cancellation and emergency expenses.
  • The policy has a high age limit of 110 years and includes $10 million legal liability cover.

Pros

  • COVID cover is available and included as a feature on all plans.
  • The Basics Cover is not just medical-only like many other providers but includes up to $2,000 of personal items cover per adult.
  • World2Cover's $10,000,000 legal liability cover is the highest we've seen out of any other provider.

Cons

  • Claims relating to an existing medical condition not approved by World2Cover Travel Insurance will not be covered.

Summary of World2Cover's Top cover

Overseas medical and hospital expensestrue
Cancellation and amendment fees$25,000 default with the option to reduce or increase.
Luggage and personal effects$7,500
Maximum age limit110

Table updated May 2026

How does World2Cover Travel Insurance cover COVID-19?

World2Cover Travel Insurance offers unlimited cover for overseas medical, hospital and emergency expenses related to COVID-19. This applies to all international plan types. If you have to cancel or amend your travel plans or experience a travel delay, there is also a limited amount of cover under all International and Domestic plans, the Top Cover and Domestic policies.

Other than this, World2Cover Travel Insurance policies have general exclusions for some specific circumstances under its COVID-19 cover that include:

  • Travel to a country subject to Do Not Travel advice on the Smartraveller website
  • Government or state-regulated quarantine

If you're concerned about COVID-19 ruining your travel plans, we've compared all the providers that offer some cover for pandemic-related expenses.

What policies does World2Cover Travel Insurance offer?

World2Cover Travel Insurance has five different plans available. Its Top Cover, Essentials Cover and Basics Cover will give you greater peace of mind for overseas trips. It also offers an annual multi-trip and domestic plan.

Here are some of the main insured events a policy can cover you for:

Travel plane luggage passport

Top Cover

Passport

Essentials Cover

Luggage

Basics Cover

Hiking

Annual Multi-trip

Australian Map Icon

Domestic

The insurance is issued by Tokio Marine & Nichido Fire Insurance Co. Ltd and comes with a cooling-off period and $200 standard excess.

The cooling-off period is 21 days, which means if you change your mind and decide to cancel your policy within this period, World2Cover Travel Insurance will refund your premium in full.

The excess is the amount you're required to pay when you make a claim. It can be reduced to $100 or $0 when you apply by paying an additional premium.

Here's a breakdown of World2Cover Travel Insurance features

Standard features
Optional add-on
Exclusions
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Standard features

Got your eye on a World2Cover Travel Insurance policy? Here are some of the key policy benefits included in the Top Cover to help you decide if World2Cover Travel Insurance is the best option for you:

  • Accidental death and funeral expenses overseas
  • Cancellation fees and lost deposits
  • Cash in hospital
  • Legal liability
  • Luggage loss, theft, damage or delay
  • Overseas dental
  • Overseas medical and hospital expenses
  • Rental vehicle excess
  • Travel agent fees
  • Travel documents and personal money
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Optional add-on

Even the most comprehensive of insurance policies won't include everything, but if there's something that isn't covered as standard, you may be able to pay an additional premium to add extra cover to your policy. Make sure you read the fine print, so you know what you are and are not covered for.

  • Cruise cover. For an additional cost, World2Cover offers Cruise cover as an optional add-on to your travel policy. This provides cover for illness, injury, medical and hospital expenses, delay, or cancellation related to your cruise. It also covers other cruise-specific benefits including, cabin confinement, missed port, missed shore excursion, marine rescue diversion, and all other applicable sections of the policy.
  • Ski and winter sports cover is necessary if you're planning to hit the slopes during your trip as overseas medical expenses will not be covered otherwise. You’ll also be covered for the costs of hiring alternative skiing equipment if your own equipment is accidentally lost, stolen, or damaged. Additionally, if an illness or injury (including a COVID-19 diagnosis) prevents you from using your pre-booked and pre-paid ski passes, ski hire, tuition fees, or lift passes, you will be covered under the extra ski and winter sports cover.
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Exclusions

Before purchasing any insurance policy, you should take careful note of the general exclusions that apply. In general, World2Cover Travel Insurance will never honour a claim if:

  • You are deemed to be acting irresponsibly at the time of the incident, or if you or a travelling companion are under the influence of alcohol or drugs.
  • You are doing something illegal or breaking any regulation or law when the issue arises.
  • Your claim relates to an existing medical condition that you either did not disclose to World2Cover Travel Insurance or that was not approved.
  • You're driving a vehicle without the proper licence for the country you're in or are a passenger on a motorcycle or similar with someone unlicensed driving.
  • You went ahead with travel plans despite official warnings from the government or mass media.
  • You were participating in risky sports or activities (e.g. mountaineering, rodeos).
  • Travel is booked or undertaken against the advice of a medical adviser.
  • You are travelling to seek medical treatment or review.

Review the World2Cover Travel Insurance Product Disclosure Statement (PDS) for a complete list of general exclusions.

How to make a World2Cover Travel Insurance claim

The quickest and most convenient way to make a claim with World2Cover Travel Insurance is online using their online claim lodgement. Simply follow these steps:

  1. Head to www.world2cover.com.au/how-to-claim
  2. Choose ‘Register’, or ‘Login’ if you've already registered
  3. Complete your claim details by answering all sections
  4. Upload any relevant documents to support your claim
  5. Submit your claim

Claims are typically assessed within 10 working days.

Here's the bottom line about World2Cover Travel Insurance

World2Cover Travel Insurance has a solid insurance offering with competitive benefit limits and a variety of plans to suit most budgets. You'll find unlimited cover for overseas medical and emergency expenses on the Top Cover policy. Its legal liability cover of $10 million is the highest we've seen.

Considering other options? You can compare other travel insurance companies here.

Frequently asked questions

Sources

Joselle Delos Reyes's headshot
To make sure you get accurate and helpful information, this guide has been edited by Joselle Delos Reyes as part of our fact-checking process.
Cristal Dyer's headshot
Written by

Writer

Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio

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4 Responses

    Sandgroper's avatar
    SandgroperSeptember 29, 2024

    Hi guys, i am looking for insurance that has cover for curtailment.
    In the event a relative becomes seriously ill or passes away i need assurance that i can return home under insurance cover.

      Angus Kidman's headshotFinder
      AngusSeptember 30, 2024Finder

      Many comprehensive policies cover this – check out our full guide to travel insurance for family emergencies. Note that most policies won’t cover any pre-existing conditions or illnesses – the incident has to be unexpected. Hope this helps.

    Jonathan's avatar
    JonathanJune 21, 2018

    Can you provide a list of Travel Insurers for someone over the age of 72 years who travels regularly and for long periods between Adelaide and Denpasar, Bali?

    Thanks.

      Jeni's avatarFinder
      JeniJune 22, 2018Finder

      Hi Jonathan,

      Thank you for getting in touch with Finder.

      It is recommended to get an annual travel insurance for someone who travels a lot in a year to save more on your trips.

      You can enter your travel details from our travel insurance for seniors form to compare quotes from different providers. When you are ready, you may then click on the “Go to site” button and you will be redirected to the insurer’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

      I hope this helps. Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

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